Why do I need landlord insurance?
Your property is by far the most valuable thing that you own. Without cover, you risk having to pay for replacements or repairs if something happens to your property or belongings.
Buildings insurance protects you against the cost of repairing or rebuilding your property if it’s damaged or destroyed. It covers the structure of your property (the roof, walls and windows). It also covers any permanent fixtures and fittings, such as fitted kitchen units and bathroom suites.
Contents insurance covers the cost of replacing or repairing possessions if they’re damaged, destroyed or stolen while they’re inside your property. Including your furniture, kitchen appliances, curtains, bedding, clothing, television, computing equipment and jewellery.
Most mortgage lenders will require buildings insurance to be in place before exchanging contracts.
The benefits of this product include…
Highly rated cover and care
We’ve been awarded 5 Star Defaqto rating for over 10 consecutive years and are rated Excellent on Trustpilot*. We’ll drop everything (except the phone) to be there.
Our best available deal every year
We’ve always treated loyalty like royalty so you’ll get our best available price at every renewal.
No cancellation or adjustment fees
We’re transparent, we don’t have any cancellation or adjustment fees.
What does this product cover?
At Uinsure we design our products to ensure they’re always 5 Star rated, with high cover limits and low excess options, ensuring you’re protected. For full details of what’s covered and what’s not covered please refer to the Landlord Insurance policy wording booklet.
What's covered
£1m of buildings cover
£15k or £35k of contents cover
Up to £1m for tracing the source of leaks in your property
What's not covered
Damage due to wear and tear
Incidents that occurred before the policy started
Where the property is unoccupied for more than 60 days
Boost your product with optional add-ons
These come at an extra cost, but may give you additional peace of mind that you’re protected.
Our Let Home Emergency Cover has been designed to complement your Landlord Insurance policy and will protect you and your property from unforeseen domestic emergencies for up to £1,000 per claim.
Our Landlord’s Legal Protection Insurance is designed to help landlords through difficult and often stressful legal situations by providing £100,000 of cover per year. It also includes the option to add cover for up to £2,500 per month for unpaid rent for a maximum of 6 months.
This protects against sudden, unintentional, and unforeseen incidents such as a ball being kicked through the window.
It also protects against deliberate damage or theft caused by a tenant or their visitors.
This is only available when you also add ‘accidental and malicious damage’ to the policy. It covers damages and costs if your property gets used for the manufacture and harvest of drugs.
Buildings Insurance
Buildings Insurance covers the structure of your home and any permanent fixtures and fittings.
Contents Insurance
Contents Insurance covers the cost of replacing or repairing your possessions if they are damaged, destroyed or stolen.
BTL/Landlords
BTL/Landlords Insurance protects landlords who are renting their property out to tenants from the risks associated.
Non-Standard
Non Standard insurance is cover for anything that falls outside of Standard Home Insurance limits and requires bespoke cover to ensure you’re protected.
Landlord insurance FAQs
Unlike most other insurers, Uinsure does not charge a fee for amending your policy.
To make a change, simply call us on 0344 844 3844 or email policyholders@uinsure.co.uk.
For your continued protection and to ensure that you are fully insured at all times, your home insurance policy will automatically renew each year, unless you have specifically opted out.
To opt out, email policyholders@uinsure.co.uk a minimum of 30 days before your renewal date.
We want to make claims as easy as possible. Our claims lines are available 24 hours a day and every day of the year. Our highly trained Claims Specialists assist you from start to finish, providing you with clear communication and reassurance, as well as practical help.
You can submit a claim by visiting our dedicated claims page, or giving us a call on 0344 844 3844.
If you need to make a claim, please refer to your policy or contact the claims team. There are a few things which will help:
- Your policy number.
- The date of the incident.
- The cause of the loss or damage.
- Details of the loss or damage together with claim value if known.
- Police details where applicable.
- Pictures and videos if possible.
It’s important you get in touch before you undertake any repairs or clean up, unless this is essential for protecting the building or your possessions.